Democrat and Chronicle from Rochester, New York • Page 96

Farnum, Phyllis Castle Carmel K. SUNDAY DEMOCRAT AND CHRONICLE. ROCHESTER. N.Y.. APRIL 18.

1982 1 Joblessness follows Traseir liNearing retirement, UAW chief says recent GM contract vote i showed a lack of compassion for unemployed autoworkers illinium jl mill which he has been forced since his election in May climb over the past three to serve as UAW chief 1977: watching layoffs years, twice reopening the 1979 contract at Chrysler to negotiate worker concessions, and now, negotiating concessions in new contracts at Ford Motor Co. and GM. And that is in a union accustomed to making, and getting, its way in demands for better work conditions and more money from the Other union officials, Josephs, Marie (Meade) April 13. 1982, at Aberdeen Nursing Home. Surviving are her nusband, Benjamin D.

Josephs at Canandal- gua Veterans Hospital; 1 rother, W. Everett Meade and wife Josephine of Bath, NY; 1 sister, Mrs. Edith G. Stewart of Phoenix. AZ: brother-in-law Martin M.

Josephs and wife Connie; 1 niece Miss Cornelia Josephs of Del Ray Beach, FL. Mrs. Josephs was a member of the Order of the Eastern Star. A Memorial service will be held at the convenience of the family. Arrange-' ments Corbett Funeral Home tne.

109 West Ave. Lee, Nelson T. (General) Thursday, April 15, 1982, of Moon Lake, formerly of Rochester. He is survived by 5 daughters, and sons-in-law, Betty and Lester Snyder, Nancy and Robert Beideck, Mary and Paul Tracy, Peg and Donald Keehn, Diane and Arthur Wesche; 3 sons and daughters-in-law, Richard and Grace Lee, Donald and Beverly Lee, Robert and Priscilla Lee of AZ; 1 sister, Carolyn Leone of San Jose, CA; 17 grandchildren; 5 great-grandchildren; several nieces and nephews. He was a retiree of Langie Fuel and a member of Valley Lodge, Scottish Rite, Royal Arch Mason 62, Monroe Commandery, K.T., Doric Council 019 Sunday 2-4 and 7-9 p.m., friends may call at Miller Funeral Home, 1625 Mt.

Hope Ave. Masonic Serivces 8 p.m. Sunday evening. Funeral Services Monday afternoon at 1 o'clock. Interment, White Haven Memorial Park.

Those who wish may contribute to the American Cancer Society, or the Theresa Rescue Squad, Theresa, NY 13691 in his memory. Lindenberg, Eleanor T. Frlday.April16.1982. Sur-vivced by her husband, Alfred A. Lindenberg; 2 daughters, Mrs.

Wesley (GaiT) Barager, Mrs. Alvin (Dianne) White; her mother, M. s. Mary Mandel of St. Petersberg, FL; her brother, Raymond Mandel of FL; 5 grandchildren; several aunts, uncles, nieces and nephews.

Friends may call Sunday Monday 2-4 7-9 at the Vay Schleich Funeral Home, 2692 Dewey Ave. Mass of Christian Burial Tuesday at 9:00 St. Charles Borromeo Church. Interment, Holy Sepulchre Cemetery. .1 By Ann Job Wooley t'.

Associated Press DETROIT It's been 44 years since Douglas 'I Fraser was out of a job, but every day the presi-v dent of United Auto Workers union sees the desperate faces of the unemployed. "I can't tell you how many people come up to me no matter where I go," Fraser said in an interview last week. "The other day I was at the car wash. Suddenly, a guy comes up 'Think I'll ever be called back I said, 'Undoub-l tedly you will be called back, it's just a question of I Loss of jobs is a tender spot with the 65-year- old UAW chief, a compassionate man who never has forgotten what it was like to be unemployed, i "I was unemployed for eleven consecutive I months and that experience was so searing and unforgettable that I remember it as though it was yesterday," Fraser said of his 1938 bout I with unemployment. Douglas Andrew Fraser, tall and gray-haired, knows of the hardships laid-off workers face in other ways.

His father, a Scottish immigrant and I electrician, was unemployed several times in the 1930s and the family was evicted from their Deft troit home on a couple of occasions. Fraser tells of kicking coal off railroad cars and gathering up the bits and pieces for the family stove. When Fraser was hospitalized with rheu- matic fever at age 17, his father walked the round trip from home each day to the hospital because the family could not afford the 6- cent trolley fare. Today, with thousands of his members on lay- off amid the worst domestic car sales slump since the Depression, Fraser said he was concerned 1 that the recent close ratification vote on the new contract at General Motors Corp. indicated a dis- turbing lack of compassion for laid-off workers among UAW members.

"If our union gets to the point where they would turn their backs (on other autoworkers who face losing their jobs) where there is an al- ternative where you can really save them i and we don't do it, then I would suggest our union has lost its way, it's lost its heart and 1 compassion," he said. "I guess I'm a little sorry that people didn't understand that." The vote results showed only 52 percent of the Tna Associated Press Douglas A. Fraser leaders and reporters on the auto beat point to Fraser's wit, integrity and personal warmth as reasons for his popularity. Even Ford and GM negotiators who faced Fraser across the bargaining table in the recent talks did not have a bad word to say about him and said they would not mind matching wits with him again in negotiations. "He is foremost a real pro," said Peter J.

Pes-tillo, Ford's top negotiator. "He was clear, but not a table-pounder or a shouter. We had our differences, but they were never unpleasant" GM's top negotiator, Alfred Warren said: "You can always understand what he is saying, where he is and where he is going. I don't find him to be a game player I never found him to be unkind or abusive." Asked about his expected retirement pert May because of a UAW rule that prohibits anyone over 65 from being president, Fraser joked that he would "like to retire retroactively." But he admitted a part of him would like to keep going. "I have a lot of energy and good health and I could keep going for a while," he said.

But, Fraser added, he felt he had to step down in order to get "new blood" into the leadership of the union. Asked if he had any worries about the union's future, he again stressed his hope that the union would never get to the point at which its only concern was money. He said he hoped it continued to "have leadership that is aware of the social values, concern for other people." Fraser said the union has always stood for "equality, civil rights and civil liberties." "And no matter who succeeds me, I think they will have those values. (But) now the question is, 'Will that continue to the next and no one really knows that." rank and file in favor of the accord, and 48 percent opposed the closest ratification margin ever at GM since the two sides signed their first contract in 1937. Yet the new contract, which was signed Friday, preserves more than 8,200 jobs by saving four plants from previously announced closings and for the first time gives workers with 10 or more years' seniority guaranteed income if they are laid off.

In return, the contract took away autoworkers' annual wage boosts and nine annual paid personal holidays, and deferred three cost-of-living allowance increases. "If you want to think about being your broth- er's keeper, that's what this (GM) contract was about," Fraser said. "I don't know if we will ever know what happened (to account for the close margin)." Fraser continues to be popular among the members despite the adverse conditions under Do it yourself financial planning Books that help you "chart your own course Augustin Hedberg MONEY magazine Particularly when they're out to make a sale, financial planners like to talk of themselves as money doctors. "Look," they say, "if you need brain surgery, you don't dash out to find a do-it- (Richiusa) Fridav. ADril 16.

1982. Sur vived by her husband, James Castle; 1 son i rtannhtar-in-law. John Bonnie Richiusa; 1 daugh ter, costance uanussa; grandchildren; 1 stepdaughter, Frances Swan; 3 sisters, Mrs. Bessie Isgro, Mrs. James (Mary) DeBole, Mrs.

Louis (Ann) uttaro; hrnthArs Michael Triassi Rochester, Casper Triassi ot AZ. FriAnHs mav call at I the Thnmaft Funaral Chaoe IIS, 4545 Lake Ave. Sun Hu 7.0 Mnnriav 9.4 A 7-9 Mass of Christian Burial Holy Cross Church Tuesday morning at 11:00. Informant Hnlv Senulchre Cemetery. In lieu of flowers contributions may De maoe to the American Cancer Society.

Conchelos, Leo J. Survived by his son and daughter-in-law, Kenneth H. and Virginia E. Knapp; 2 granddaughters, Mrs. Glen (Linda) Weller; Miss Leslie Knapp; 2 great granddaughters, brother, Jo seph of nieces and nephews.

Calling Saturday and Sunday 2-4, 7-9 at the Falvo Funeral Home, 1395 N. Goodman St. Funeral service Monday 8:30 from the funeral home, 9 at St. Andrew'sChurch. Inter ment, Holy Sepulchre.

In lieu of flowers those wish ing may make donations to tne American Diabetes Association, 797 Elmwood Ave, Cufari, Mary Louise On April 16, 1982. She is survived by her 3 brothers ano tneir wives, Mr. Mrs. John Cufari. Mr.

Mrs. James Cufari both of Pitts- ford, Mr. Mrs. Phillip Cuf-fare of Fishers, NY; her 3 sisters and their husbands, Mrs. Paul (Catherine) Ju lian, Mrs.

David (Christine) Dexter, Mrs. John (Betty) Farron of Honeoye Falls; a Drotner-in-iaw, uominic Spanoof Bufflao; sister-in-law. Edith Cufari and a dear friend Ruth Sawdy; several nieces, nephews, aunts, uncles and cousins. Friends are invited to call at Zornow Funeral Home, 21 Lincoln Pittsford Sunday 7-9 p.m. Monday 2-4 7-9 p.m.

Mass of Christian Burial at St. Louis Church, Pittsford Tuesday at 11 o'clock. Interment, White Haven Memorial Park. Those wishing may make contributions to the Pittsford Ambulance Corp. in her memory.

Dayes, Rose A. April 16 in Toronto Canada. She is survived by her children, Carl of Rochester, Hazel of Montreal, Samuel and Amy of Jamaica, Louise and Wilfred of London England and Daniel of Toronto; 16 grandchildren; 2 great-grandchildren; 2 brothers, nieces, nephews, and a host of other relatives and friends. Friends may call Sunday 7-9 p.m. at the Preston Funeral Chapel, 712 West Main St.

Services Monday 1 p.m. at St. Stephen's Episcopal Church, 350 Chili Ave. Rev. Comegys officiating.

Inter-ment. Falls Cemetery. Dixon, Anna On Tuesday, April 13. She is survived by 2 daughters, Ruthie Mae Tatum of Brockport and Maudie London of FL; 13 grandchildren; 56 great-grandchildren; 24 great-greatgrandchildren; 1 Friends may call Sunday 3-5 and 7-9 at trhe Fowler Funeral Home, 52 State Brockport. A funeral service will be held Monday, April 19 at 1 p.m.

from the Northside Church of Christ, 8 Ernest Rochester. Interment at the convenience of the (ami- Egan, Frank R. Formerly of Rochester, currently of Vero Beach, FL, in Vermont on April 16, 1982. Survived by his wife, Mary; son and dauahter-in- tew, Mr. and Mrs.

Frank Egan; daughters, Mrs. Gary (Maureen) Killeen, and Mrs. Joseph (Ruth) Dalton; 9 grandchildren. Friends are invited to a Mass of Christian Burial Tuesday. 9:30.

St. Louis Church, Pittsford. Interment, White Haven Memorial Park. Those wishing mavdirectmemorialstotha Cancer Fund in his memo- PI. Arrangements: Zornow uneral Home, Pittsford.

lEnglerth, George April 16, 1982, formerly of Saxton St. He is survived by several cousins. Sunday z-4 ano 7-9 p.m. friends may call at Miller Funeral Home 1625 Mt. Hope Ave.

Funeral Mass Monday morning at 9 o'clock in St. Peter Paul Church. Interment, Holy Sepulchre Cemetery. i Gerew, Harold R. Age 78.

Friday, April 16, 1982. He is survived bv his wife, Florence; daughters, Gloria (Mrs. Warren) Dennis. Kathleen (Mrs. George) Boheen; 5 grandchildren, Karen Lotta, Thomas Dennis, Richard, Cynthia, and Scott Boheen; 3 great-grandchildren, Louis Jr.

and Elton Lotta. Michael Dennis: several nieces and nephews. He was a 42 year member of John A. Robertson Lodge F. A.

M. 1072 and retired from Eastman Kodak Co. in 1964. Private memorial service will be held at the convenience of the family. Those wishing may contribute in his memory to the Rochester Chapter of CCHD.

2-1, P.O. Box 7695. Rochester. NY. 14622 or the charity of your choice.

E. ROCHESTER: April 16 1009 Mrs Farnum is sur vived by her son, William Farnum Of ia; aaugmer Mrs. Phyllis Topa of CT sisters, Mrs. Eleanor Mar rw Mra FvarettfAnn) Bla zey; brothers, Donald, Allan Knnneth and Lawrence Marrer; 5 grand- cnnaren. Friends are invited to tend a Funeral service Sundayafternoon 2 o'clock at the Nulton Funeral Home, 1704 Penfield informant RarlinNH.

In of flowers, contributions may be directed to Diabetes Foundation the your favorite charity Harjung, Roger Doane Formerly of Rochester, en tered intoeternal rest, April 19BZ. survived by nis daughters, Mrs. H. Michael (Sandra Jean Bentley) and Mary Deborah, both of Rochester; 5 brothers. Russell, John (Bob), Larry 1 ot utica, Milton ot oa, ano Donald of FL: 3 sisters.

Mrs. Joseph (Ella) Corona- to of sylvan Beach, ny, Mrs. Douglas (Evelyn) Pe-trie and Miss Gladys Har jung, ootn oi utica; several nieces ana nepnews. Funeral services and interment were held April 8, 1982, in Clayton, NY. He was a WW II Veteran, member of the American Legion, Colon-Couch Post of Clayton, NY, and formerly a member of the Carpenters Local Union in Rochester, NY.

Those wishing may make donations in his memory to the Clayton Volunteer Ambulance, Clayton, NY 13624. Harman, Warren F. Aor. 13. 1982.

Warren Franklin Harman. Survived by his sons and daughters-in-law, Warren S. and Lorraine John D. and Len- ore Harman; grandchildren; Warren A. Andrew Jennifer L.

Daniel E. and Jon P. Har man. He was a member of St. Mark's St.

John's Episcopal Church, a Warden of the church and Past Vestryman, a trustee of the Episcopal Diocese, Board Member of East Side Com munity Center. Friends are invited to at tend a memorial service Sunday4 p.m. at St. Mark's St. oonns tpiscopai Church, 1245 Culver Rd.

Interment. Riverside Cem etery at the convenience of the family. Friends wishing may contribute to tne He- membrance Fund of the East Side Community center, 14! parseits Ave. ortheMemorial Fund of Mr. Harman's Church.

Ar- Punerai Home, inc. Heizyk, Patronella Saturday, April 17, 1982. Survived by her husband, Martin Heizyk; 2 sons, Walter and Stanley Heizyk; 1 daughter, Mrs. John (Genevieve) Kihn; her sister, Mrs. Fanny Turpyn; 7 grandchildren; 4 greatgrandchildren; several nieces and nephews.

Friends may call Sunday 2-4 and 7-9 at the Vay Schleich Funeral Home, 2692 Dewey Ave. Mass of Christian Burial Monday at 9:30 at Our Lady of Mercy Church. Interment, Holy Sepulchre Cemetery. In lieu of flowers, friends may have Masses offered. Helget, Luella (Hensler) Thursday, April 15, 1982.

Survived by a daughter, Sister Arlene Helget SS a son and daughter-in-law, Robert and Bonnie Helaet of Atlanta, GA; a cousin, Miss Catherine Metzqer: several nieces and neph ews. Member of the Rosary Society of St. Andrew's Church. Friends may call Sun day, 2-4 and 7-9 p.m., and Monday, 2-4, at the Burns-Hanna Funeral Home, 1795 E. Ridae Rd.

Mass of Christian Burial, Monday evening at 7:30 o'clock at St. Andrew's Church. Interment, Holy Sepulchre Cemetery. In lieu of flowers, those wishing may make contributions to the Sisters of St. Joseph's In- firmary Fund.

Infantino, Michael J. April 16, 1982. Husband of Helen (Lysic) Infantino; father of Dennis, Michael, Debra (Mrs. Vincent) Pelli- grino; son of Carmella (Carlisi) Infantino; 6 grandchildren; brother of Samuel, Anthony and Nicholas Infantino; nieces and nephews. Friends may call at the Bartolomeo Funeral Home 1425 Lexington Saturday and Sunday, 2-4 and 7-9 p.m.

Mass of Christian Burial, Monday, 9 a.m. at St. unaries Borro-meo Church. Interment, Holy Sepulchre. Lacancellera, Esther Survived by her son, Frank; 2 daughters, Mrs.

James (Rose) Mulla. Mrs. William (Marie) Zimmer; 3 Callina Sunday Mon day 2-4 7-9 at the Falvo Funeral Home, 1395 N. Goodman St. Funeral service Tuesday 8:45 from the funeral home 9: 1 5 at St.

Philip Neri Church. Inter- ment, Holy Sepulchre. Holley, Raymond Suddenly, Thursday. April 15, 1982, Raymond L. Hol-lev of Chili.

He is suruiuoH by his wife, Louise M. Holley; 2 sons, Michael and Robert Holley; daughters, Kathleen and Suranna Holley; his mother, Julia Holley; brothers, Francis Jr. and Bernard E. Holley; also nieces anrl iwnhauie Mr. Holley was a Veteran of WW II, and a retired U.S.

Postal FmnlnvoA anH former manager of the Bulls Head Station. Friends mav rail Si day, 2-4 and 7-9, at the funeral home nl Aluah Uai. loran Son 2 1 25 Chili Ave. Mass of Christian Burial, Monday morning at 10:30 ft'Hulr in Church. Interment, Holy sepulchre Cemetery.

Masses may be offered. increasingly complicated variety of investments and strategies they will offer. If you have the energy and time for all this, you indeed may be your own best planner. You'll not only be saving a you'll have the satisfaction of knowing that whatever personal financial decisions you make, they'll be yours all yours. How, then, does the plucky amateur start out? Just getting to the drawing board stage of a comprehensive plan that includes investments, savings, housing, insurance, retirement and estate planning will demand an immense amount of reading.

In the past year, a deluge of books on personal finance has burst forth upon the land. But remember that the best of these texts the ones that provide strategies to follow are essentially exercises in financial forecasting. Standing squarely at the. forefront of the few books that provide cohesive planning information are the three graces of personal financial book-manship: Sylvia Porter, Jane Bryant Quinn and Venita VanCaspel. Each of them is trustworthy and basically normative in approach.

Of the three, VanCaspel's Money Dynamics for the 1980s (Reston, $15) is the most vivacious in style and most truly a financial planning book: Sylvia Porter's New Money Book for the '80s (Avon, $9.95) and Everyone's Money Book (Delta, $8.95) by Jane Bryant Quinn are both exhaustive, consumer-oriented tomes. Jim Barry's Financial Freedom (Reston, $14) is another book that yields a coherent sense of strategy. Well-written and succinct, it is based on an unabashed faith in the U.S. economy. The second edition of Personal Financial Planning by G.

Victor Hallman and Jerry S. Ro-senbloom (McGraw-Hill, $5.95) also casts a wide net and is more thorough than the Barry book, particularly in its treatment of insurance. On the same shelf under "Personal Finance" you will usually find that smudgy little league of pessimists busy hanging crape for the death of the world. These are the hard-money boys, such as Howard Ruff, Douglas Casey and John Pugs-ley. Invariably, a financial plan drawn up upon their recipes can boil down to anything from bags of gold and silver coins for each member of the family (Ruff, How to Prosper During the Coming Bad Years, Warner, $3.50) to a basement piled with groceries that you would use up as prices rose (Pugsley, The Alpha Strategy, Stratford, Harry Browne (Inflation-Proofing Your Investments, Warner, $3.95) is the thinking man's doomster.

Once you have read enough to see what it takes to form your own financial plan, you should again ask yourself if you really want to plunge ahead alone. Just to accomplish a simple procedure like setting up a trust for your child's education will probably require the services of several professionals. Your accountant and your lawyer will want to select the kind of trust that will work best given your particular situation. Then the lawyer helps you decide on a trustee, draws up the provisions for the eventual distribution of the trust and writes the trust itself. The next stop is your broker, to make a selection of stocks, bonds, mutual funds or other investments to put into the trust.

At this point you may recall that a first-rate planner's particular gift is not just in finding investment opportunities but in weaving them into a comprehensive master plan with the help of specialists in taxes, stocks, law and other subjects many of whom he can get for you. If you think you can do all this for yourself or by coordinating the efforts of your lawyer, stockbroker and accountant, then go forth and be fruitful Copyright 1982, Money magazine. Distributed by Universal Press Syndicate. rank and file, government Blair, Joseph H. Friday.

April 16.1982. Survived by his wife, Mary Blair; his daughter, Mrs. Carol Frick of Syracuse, NY; step-daughter, Mrs. Diane Delcorvo; 3 stepsons, Ronald, Donald Jr. and Gary- Lackey; 2 brothers, Fedel of PA, and William Blair Ogdensburg, NY; 3 sisters, Mrs.

Frank (Christine) Duprey, Mrs. Edward (Orea) Simpson, Mrs. Ginney Filapello of Syracuse; 5 grandchildren; several nieces and nephews. Friends are invited to attend his Memorial Mass of Christian Burial, Monday at 9 o'clock at Holy Family Church. No prior calling hours.

Interment, convenience of family. Reference: Vay Schliech Fu-neral Home Inc. Burno, Thomas R. Suddenly Friday April 16, 1982. Thomas R.

Burno. entered into rest. He is survived by his wife, Nellie; 6 children, Linda, Brenda. and Kenneth Howell, Tamy, Thomas Jr. Marlom, Terry of Rochester NY; his mother.

Bertha 5 brothers, John, Anthony, Harold, Mitchell and Alfred; 4 sisters, Carolyn Moore, Cathy Murphy: Veldra Burno of Rochester and Maxine Bennett of NYC; other relatives and friends. Funeral service will be held Tuesday April 20, 1982 at Antioch Baptist Church, '144 Baden St. Rev. W. F.

Cotton officiating. Interment, Riverside Cemetery. Veteran's Section. Friends may call Sunday and Monday 2-4, 7-9 at Genesee Funeral Home, S96-604 Genesee St. yourself book on the subject, do you?" You shake your head in horror.

"Well then, why would you entrust your savings and your family's financial security to a rank amateur like yourself?" You're still thinking about poking around in your medulla with an Exacto knife as you start filling out data sheets revealing to your new planner the most intimate details of your finances. The argument, of course, is flawed. And planners themselves would be the first to point out that, as with brain surgery, not everyone needs complex financial strategies. If you are earning $35,000 a year and paying out $34,000 in absolutely unavoidable services and expenses, then paying, say, $1,000 for a custom-built financial plan is probably a firm step in the wrong direction. Even more likely candidates from the family nurturing a modest nest egg to the person awash in discretionary capital may not need the help of a professional planner.

After all, your own stockbroker, accountant, lawyer and insurance agent taken together can do most of the things planners do. But to get them to do everything right, you would need to gather all of the pertinent papers covering your financial affairs, produce a plan of action and then coordinate the investment, tax and legal services of these specialists. Then you would have to sit down and soberly evaluate the Lousley, Alfred E. Of Scottsville, April 16, 1982. He is survived by wife, Sarah; a son and daughter-in-law, Alfred E.

and Bessie, of Macedon; 5 daughters, Mrs. John L. (Martha) Aimond of Rochester, Mrs. Jack E. (Mary) Walton of MN, Mrs.

Jerold R. (Dorothy) Donahue of Byron. Mrs. Harold H. (Margaret) Fischer of IL, and Miss Frances Lousley of Scottsville; 1 sister, Mrs.

Richard (Dorothy) Burton of Toronto, Canada; 2 brothers, Gordon Lousley of Hamilton, Ontario, Canada, and Ernest Lousley of London, Onterio, Canada; 22grandchildren; greatgrandchildren; several nieces and nephews. A service will be held Wednesday at 1 p.m. at the Miller Funeral Homes, 1625 Mt. Hope Ave. Interment, White Haven Memorial Park.

Those who wish may contribute to Scottsville Volunteer Fire Dept. or the American Cancer Society or the American Heart Assoc. McBride, John J. Of Greece, NY, on April 16, 1982. He is survived by 3 sons, John C.

McBride, Douglas W. McBride, Alan R. Drechsler; 2 daughters, Mrs. Bob (Judy) Collins, Mrs. Bob (Linda) Decker; 2 brothers, William and Charles: 3 sisters, Mrs.

Jim (Bess) Carlin, Mrs. Gordy (Ann) Heberger, Mrs. Wil liam (tieanor) Anderson; 17 grandchildren; 1 great- granddaughter; several nieces and nephews. Member of Crimson Club, Navy Veteran of WW-li. Friends may call at Arndt Funeral Home, 1118 Long Pond Rd.

Calling hours Saturday and Sunday. 2-4 and 7-9 p.m. Prayers, Monday, 8:45 a.m. at fu neral home, followed by Mass of Christian Burial. 9:30 a.m.

at St. Michael's Church. Interment, Ironde-quoit Cemetery. Contribu tions io iancer aocieiy in his memory would be ap preciated; McCann, Marie E. Thursday, April 15, 1982, Marie McCann.

Survived by 2 cousins, Mrs. Randall Holden, Dorothv Knowels and Mrs. Daniel Stone. She was a member of the Rochester Retired Teach ers Association. Calling hours will be 2-4.

7-9 Sunday at the John M. Hedges Funeral Home, Inc. corner of Culver Rd. Empire Blvd. Mass of Christian Burial will be said Monday at 10:00 at St.

Ambrose Church. In lieu of flowers friends wishing may make memorial contributions to St. Ambrose Church. Offen, William D. Thursdav.

Anril IS. 19R9. Survived by his wife. Mildred: 3 sons. William.

Arthur and Robert; his daughter. Mrs. Bernie (Thelma) Henry; 2 brothers. Sewell of AZ and Arthur of Caledonia; his sister, Mrs. Alfred (Martha) Schmid 10 grandchildren; is great grandchildren; nieces and nephews.

He was a member of the Moose Club. Friends may call Saturday 2-4. 7-9 at the Vay Schleich Funeral Home 604 MaDle St. where services will be held on Monday at 1 1 o'clock. Interment Riverside Tax cuts urged for savings banks By Candao E.

Trunzo MONEY magazine He sounds like the answer to your prayers a Renaissance man in an age of narrow specialists. Part investment adviser, part accountant, part lawyer, part psychologist. Understandably, critics of the financial planner dismiss him as a jack-of-all-such-tradeoffs but a master of none. A good planner, however, can be of great benefit in straightening out the tangled mess that even many knowledgeable people have made of their finances. There are an estimated 7,000 personal financial planners in the United States.

If your net worth is $100,000 excluding your house, and your nual income is $35,000 or more, you probably can find a planner who can help you improve your financial health. Besides independent planners, many banks, brokerage houses, insurance companies and mutual funds offer planning services. inn 41 rW fWl atllM mA.Q fm Deaths (Monro County) indicates the first appearance of a notice in this newspaper Bittlingmaier, Martha Saturday April 17, 1982. Survived by her sons and daughters-in-law, Dr. Walter and Verna Bittlingmaier, Herman Bittlingmaier; daughter-in-law, Barbara Bittlingmaier; her brother, August Schmid; 4 sisters, Tekle Knobel of Germany, Mrs.

Rosa Schmitt of OH, Anna Bretzler of Germany, Mrs. Michael (Maria) Bidzer-kowney; 1 1 grandchildren; nieces and nephews. Friends may call Monday 2-4, 7-9 at the Vay Schleich Funeral Home, 2692 Oewey Ave. Mass of Christian Burial Tuesday at 10o'clockatSt. Helen's Church.

Interment, Grove Place Cemetery. Friends wishing make contributions to St. Jude's Hospital PO Box 1818, Memphis TN 38101. National Home Nursing Service Emergency or Planned Care in Your Home for 2-24 Hour or More Home Health Aid LPNRN Personal Care Aid Live-InHousekeeper Companion 546-2393 (W) also favor the long-term relationship that's almost guaranteed with a planner who earns commissions. Commissions usually run 4 percent to 10 percent of the investment.

It's wise to avoid planners who don't charge for preparing plans but earn their money solely from commissions. Says Lewis Walker of Walker Cogswell a financial planning firm in Atlanta: "There is no free lunch in planning. Sure, the commission-only planner will crank out something that resembles a plan, but he's there to sell you a product." While bank trust departments have been providing financial planning to the wealthy for generations, these services have yet to trickle down to the merely affluent. Trust departments tend to be extremely conventional and conservative in investment strategy. That might have been defensible in a pre-inflation economy, but it's perilous today.

Once you have a reasonable idea of what type of planner you would like to use, the most daunting phase of all begins uncovering a financial planner who is well grounded in taxes, investments and estate planning and with whom you are likely to feel comfortable. The two big associations of planners can give names, but you shouldn't just settle for one from a list. The Institute of Certified Financial Planners (9725 E. Hampden Denver, Colo. 80231) will send you the names of planners in your area who have earned the CFP designation.

The International Association of Financial Planning (5775 Peachtree Dunwoody Suite 120C, Atlanta, Ga. 30342), a trade group of planners and of those who sell products to them, will forward your letter to the chapter president in your area. He then will mail you the names of three local planners. In your first interview with a prospective planner, he will want you to tell him all you can about your situation. a master plan that promises to put you on the right path in setting up your estate, insuring yourself, paying your taxes and budgeting your spending from indebtedness to investments.

The size of the fee depends on the com plexity ot your situation, your income or assets, and whether you have the planner carry out the plan and earn commissions on the insurance, stocks, tax shelters or other "products he sells you An annual follow-up costs $200 or more. Or can skip the full treatment and pay $50 to $150 an hour for specific advice. Planners' fees for tax and investment counseling are tax deduct-ible. Most planners make their living from commis sions on tne iinanciai proaucis mey seu 10 cli ents. According to a survey by Financial Planner magazine, commissions mostly trom tne sale of securities and insurance account for 70 cents out of every dollar planners earn.

Many clients like this one-stop financial shopping. They.